Jan 2020 Löner Technical Manual - Bankgirot · Information classification: Open Löner Technical...

Information classification: Open © Bankgirocentralen BGC AB 2013. All rights reserved. www.bankgirot.se

Jan 2020

Löner

Technical Manual

Information classification: Open Löner Technical Manual Jan 2020 Page 2 (18)

Contents

1 Introduction...................................................................................................................... 4 1.1 This document .................................................................................................................. 4 1.2 What is Bankgirot? ........................................................................................................... 4 1.3 What is a bankgiro number? ............................................................................................ 4 1.4 What is Löner? ................................................................................................................. 4

2 Terms and definitions........................................................................................................ 5

3 Anti-tampering protection ................................................................................................ 7

4 Löner in practice ................................................................................................................ 7 4.1 Standard functions ........................................................................................................... 7

4.1.1 Löner in practice .............................................................................................. 7

4.2 Reports from Bankgirot ................................................................................................... 7 4.3 File transfer ......................................................................................................................8

5 Options ............................................................................................................................. 8 5.1 Extended Reporting .........................................................................................................8 5.2 Payments specification with salary details .......................................................................8

6 About files and records ..................................................................................................... 8 6.1 File and record basics .......................................................................................................8

6.1.1 Definitions ....................................................................................................... 8

6.1.2 What a file contains ......................................................................................... 8

6.1.3 Illustration of a file – several remitting bankgiro numbers ............................ 9

6.1.4 Illustration of a file – one remitting bankgiro number ................................... 9

6.1.5 What a section contains ................................................................................. 10

6.1.6 Contents of a record ....................................................................................... 10

6.1.7 Three types of record ...................................................................................... 10

6.1.8 Illustration of a record ................................................................................... 10

7 Character encoding standard and data set name ............................................................ 11 7.1 Character encoding standard .......................................................................................... 11 7.2 Data set name .................................................................................................................. 11 7.3 Data set name fields ........................................................................................................ 11 7.4 Data set name in customer test ...................................................................................... 12 7.5 Monitoring period .......................................................................................................... 13

8 Record and file descriptions – files to Bankgirot ............................................................ 13 8.1 Summary ........................................................................................................................ 13

8.1.1 Definitions of abbreviations ........................................................................... 13

8.1.2 Mandatory records ......................................................................................... 13

8.1.3 File description ............................................................................................... 13


8.1.4 Internal order of the records .......................................................................... 14

8.1.5 Opening record (TK01) .................................................................................. 14

8.1.6 Payment record (TK35) .................................................................................. 15

8.1.7 Total amount record (TK09) .......................................................................... 16

9 Who should you contact if you have any questions? ....................................................... 16 9.1 Different contacts ........................................................................................................... 16 9.2 Questions on business and communication systems ..................................................... 17 9.3 Questions about prices and agreements ........................................................................ 17 9.4 Questions about files ...................................................................................................... 17

10 Contact channels and addresses ...................................................................................... 17


1 Introduction

1.1 This document This is the technical manual for Löner, or Salaries in English. The document includes detailed information about Löner and is aimed at readers who will:

Make a decision on whether to use Löner

Adapt the company’s procedures to be able to use Löner

1.2 What is Bankgirot? Bankgirot is a European clearing house tasked with delivering market-leading solutions in the payments area that increase customers' competitiveness. As the only clearing house for mass payments in Sweden, Bankgirot has a central role in the Swedish payments infrastructure and processes the great majority of these types of payments. The bankgiro system is:

An open system for both payers and payees

The link between payers and payees All payment institutions operating in Sweden can sign an agreement to participate in the bankgiro system. Bankgirot processes payments and information about incoming and outgoing payments for all parties. Regardless of your bank connection:

As a payee you can receive payments from all payers

As a payer you can reach all payees Within the framework of the bankgiro system, Bankgirot has established collaborations with several of the largest business, accounting and communication software companies. Together we create efficient business solutions for all payment needs, saving your business both time and money.

1.3 What is a bankgiro number? A bankgiro number is an address that points to a bank account. A bankgiro number can be associated with the bank and account number of your choice. When you want to receive payment, you simply quote your bankgiro number – you never need to provide your bank account details. The actual account is always hidden from the payer. If you change banks, you can keep your bankgiro number and your bankgiro payments will continue to arrive just as before.

1.4 What is Löner? Löner, or Salaries in English, is a payments service that your company can use for paying salaries to all bank accounts in Sweden. You send your payment initiation when convenient and Bankgirot monitors and makes your salary payments when due.


Salaries can only be paid in Swedish kronor. The table lists the most important advantages offered by Löner and shows how they benefit the customer.

Advantage Customer benefit

Payment on the right day. Interest gains

Less administration – the company can gather all salary payments into a single process.

Time savings

2 Terms and definitions This table lists Bankgirot's definitions of the terms associated with the Löner service.

Term Definitions

User manual

A manual that describes a service, how it is used and how a company adapts its procedures to use the service.

Bank day All days except Saturdays, Sundays, Epiphany, Good Friday, Easter Monday, First of May, Ascension Day, Sweden's National Day, Midsummer Eve, Christmas Eve, Christmas Day, Boxing Day, New Year's Eve and New Year's Day (all according to the Swedish calendar), as well as any other days currently stipulated by the Swedish Act (1989:253) on Public Holidays.

Bankgiro Link Bankgirot's communication product. Bankgiro Link includes:

Secure communication solution with authorisation, based on PKI and certificates

File transfer over the Internet

Transfer of payment instructions to Bankgirot

Transfer of reports from Bankgirot

Electronic mandate control (for some banks)

Payment initiation The file the company sends to Bankgirot containing the payments to be made.

Payment instructions The payments Bankgirot accepts and processes.


Term Definitions

Debit initiation A file based on the payment instructions sent to the payer's bank for withdrawals (debits) from the payer's bank account.

Electronic payment order (ELU)

An electronic payment order that assigns Bankgirot the task of executing the payment instructions sent in a payment initiation. It must be sent to Bankgirot at the same time as the payment initiation. Note: Only applies to certain banks.

Anti-tampering protection

For security reasons, all files containing payment instructions that are sent to Bankgirot must be provided with electronic anti-tampering protection.

Communication method The method a company uses to send files to and retrieve files from Bankgirot.

Credit initiation A file based on the payment instructions sent to the payee's bank for deposits (credits) to the payee's bank account.

Customer number A customer number at Bankgirot used as the address for file deliveries. The customer number can be linked to one or more bankgiro numbers. A customer number is always linked to a service.

Customer test Conducted to verify that the information in the files complies with the specified layout. Customer testing is not mandatory.

Record Part of a file or section with specific information on instructions sent to Bankgirot. Each record has an individual transaction code (TK).

Technical manual A manual with record and file descriptions. Mainly aimed at software companies and companies that develop proprietary software.

Transaction code Every record in a file has a transaction code (TK). In Löner, for example, a payment has the transaction code TK35.

Reporting All companies receive reports on executed, unexecuted and monitored salary payments. Reporting comprises a number of reports that can only be received on paper.

With the Extended Reporting option the company can receive reports other than those included in the standard agreement.


3 Anti-tampering protection Anti-tampering protection is mandatory for all files sent to Bankgirot. The entire file must be protected from tampering. Two types of anti-tampering protection can be used with Bankgirot:

Digital signature

Authentication Bankgirot supports two authentication methods:

Nexus Sigillet (previously SÄKDATA)

HMAC SHA-256 Note: For more information on anti-tampering protection, see the technical manual Anti-tampering protection with authentication available at www.bankgirot.se.

4 Löner in practice

4.1 Standard functions

4.1.1 Löner in practice

This table shows how a company uses Löner to pay salaries via Bankgirot.

Step Description

1 The company sends a file – the payment initiation – containing payment instructions to Bankgirot. Bankgirot monitors the pay day.

2 Bankgirot sends a debit initiation for a balance check inquiry to the company's bank on the bank day before pay day.

3 Bankgirot compiles payments for Bankgirot's clearing service. Bankgirot's clearing service sends settlement instructions to RIX where the money changes banks.

4 Bankgirot sends a credit initiation to the payee's bank and reports the event to the company.

4.2 Reports from Bankgirot The company receives a report on all events in the Löner service. Reporting comprises a number of reports that can be received on paper. All reports are delivered daily. These reports are available as standard:

Reconciliation report

Stopped payments in balance check inquiry

Rejected payments


Cancellations / date amendments

4.3 File transfer The company can choose between several different communication methods for sending the payment initiation to Bankgirot. Reference: Descriptions of the communication methods are available at www.bankgirot.se.

5 Options

5.1 Extended Reporting With Extended Reporting the payer can enter an agreement for more than the standard reports on payment instructions.

5.2 Payments specification with salary details

The optional report is Payments specification with salary details. Order the report from your bank.

6 About files and records

6.1 File and record basics

6.1.1 Definitions

The table defines some of the most common terms used in the following chapters.

Term Definition

Section A part of a file that contains credit transfers/salaries from a remitting bankgiro number.

Note: All sections must include an opening record and a total amount record.

Files One or more instructions sent to Bankgirot in electronic format.

Record Part of a file or section with specific information on instructions sent to Bankgirot. Each record has an individual transaction code (TK).

Transaction code Every record in a file has a transaction code (TK). Each transaction code starts a new record.

6.1.2 What a file contains

A file contains information, organised in sections and records, from several remitting bankgiro numbers – with at least one section for each bankgiro number. The file contains credit transfers/salaries.


Note: The file must also contain anti-tampering protection in one of the following forms:

A digital signature

Batch authentication or

Section authentication

Reference: For more information on anti-tampering protection, see chapter 7.

6.1.3 Illustration of a file – several remitting bankgiro numbers

This illustration shows how the file may appear when it contains instructions from several different bankgiro numbers. Note: The illustration shows both Batch and Section seal.

6.1.4 Illustration of a file – one remitting bankgiro number This illustration shows how the file may appear when it contains instructions from one bankgiro number.


6.1.5 What a section contains

Each section can only reference one remitting bankgiro number and must contain at least one payment instruction.

Note: Sections may not be empty, that is, lack records.

6.1.6 Contents of a record

A record must contain:

A unique transaction code (TK) indicating which type of information the record contains

6.1.7 Three types of record

The records in a file can be divided into three different types:

Type of record Description

Mandatory Must be included in a file.

Conditional Mandatory when a particular payment method is used, or in cancellations and date amendments, otherwise not included.

Optional Can be included in the file when the sender deems it necessary and the record is available.

6.1.8 Illustration of a record

The records have a conventional 80-character layout, split into fields with different content. This is an illustration of a record (opening record in a payment instruction). The grey fields correspond to 46 and 2 blank characters respectively.


7 Character encoding standard and data set name

7.1 Character encoding standard Files sent to Bankgirot shall be in ASCII or EBCDIC format, depending on the chosen communication method. For ASCII files, ISO8859-1(Latin-1) is recommended for character representation and to indicate line breaks. The record length is fixed at 80 characters.

7.2 Data set name The data set name is the technical name of all files sent to Bankgirot. The data set name includes the customer or service bureau number together with the time and date the file was received by Bankgirot. Note: The following applies to Other communication method; for alternative communication methods please refer to the appropriate communication method manual. Example 1: All files sent to Bankgirot must include the communication method in the name. The table below shows how to name the files.

Communication method

Data set name

Bankgiro Link BFEP.IBGLK.K0NNNNNN.DYYMMDD.THHMMSS

Other communication BFEP.IKIKI.K0NNNNNN.DYYMMDD.THHMMSS

7.3 Data set name fields This diagram presents the different fields in the data set name.


7.4 Data set name in customer test The remitting party can send a test to Bankgirot to confirm that the format fully complies with the specified layout and authentication check. The customer creates a test file with the correct customer details (such as the actual bankgiro number) in the payment software and all account numbers. Sample files: There are sample files for tests at www.bankgirot.se, under Services/Outgoing payments/Salaries. Select Sample files in the menu on the right. For tests, the product name in the data set name varies depending on the communication method. The table lists the product names for the different communication methods.

Communication method

Product name

Bankgiro Link IBGZK

Other communication IKIZZ or IZZZZ

Reference: For more information on testing anti-tampering protection with authentication, see Anti-tampering protection with authentication at www.bankgirot.se.


7.5 Monitoring period Bankgirot monitors credit transfers/salaries for the current year and the two following years.

8 Record and file descriptions – files to Bankgirot

8.1 Summary

8.1.1 Definitions of abbreviations

This table lists the abbreviations used in the record descriptions.

Abbreviation Definition

A Alphanumeric content

N Numeric content

TK Transaction code

8.1.2 Mandatory records

These records must be included in the payment initiation:

Opening record TK01

Payment instruction record TK35

Total amount record TK09

8.1.3 File description

The table shows:

All available records and their transaction codes (TK)

Internal order of the records

Record/Payment method

TK Type of record Optional characters

Introduction

Opening record 01 Conditional –

Transfer to account number

Payment record 35 Conditional 59-80

Total amount record 09 Conditional –

Record description, Salary payment (TK01, TK35 and TK09)


8.1.4 Internal order of the records

The table shows the order in which the initial records are sent to Bankgirot.

Record TK Type of record

Opening record 01 Conditional

Payment record 35

Total amount record 09

8.1.5 Opening record (TK01)

The opening record (TK01) is conditional. The table presents the record in detail.

Character Contents Valid values/Comment No. of chars

Storage format

1-2 Transaction code 01 2 N

3-8 Sender's creation date

YYMMDD

The date the sender's payment file was created.

6 N

9-10 Reserved field Blank 2 A

11-13 Product LÖN 3 A


60-62 Currency code SEK

Blank

3 A

63-68 Sender's customer number

Unhyphenated

Right-aligned

Zero-filled

6 N

69-78 Sender's bankgiro number

Unhyphenated

Right-aligned

Zero-filled

10 N



8.1.6 Payment record (TK35)

The payment record (TK35) is conditional. The table presents the record in detail.


Storage format

1-2 Transaction code

35 2 N

3-8 Salary pay day YYMMDD

6 N


13-28 Payee's account number

Unhyphenated

Right-aligned

Zero-filled

Characters 13-16 are the clearing number, the other characters are the bank account number.

16 N

29-40 Amount Right-aligned

Zero-filled

Swedish kronor and öre (00 for whole kronor)

Note: May not contain negative numbers, commas, hyphens or full stops.

12 N


59-68 Employment details

Civic number, employment number or similar:

Right-aligned

Zero-filled or

Blank

10 N



Storage format

69-80 Payment identification

Information that enables the payee to identify the payment.

Printed on the payee's bank statement.

12 A

8.1.7 Total amount record (TK09)


Storage format

1-2 Transaction code 09 2 N

3-8 Sender's creation date

YYMMDD

The date the sender's payment file was created.

6 N


29-40 Total amount Right-aligned

Zero-filled

Total amount per section, the sum of all TK35s.

Note: Rounding off is not allowed.

12 N

41-46 Number of payment records

Right-aligned

Zero-filled

Total number per section of all TK35s.

6 N

47-80 Reserved field Zero-filled 34 N

9 Who should you contact if you have any questions?

9.1 Different contacts Your company signs an agreement with your bank to gain access to the Löner service and the payments are managed using a business or accounting system with functionality determined by the software company. Here you can get help deciding who to contact with any questions you may have.


9.2 Questions on business and communication systems Contact the software company if you have questions about business and communication systems. Example questions:

Does my accounting, business or communication system support Löner?

How does automatic reconciliation work in my system? Reference: If you would like information about the different software companies and whether they support a particular product, you can search for such information at www.bankgirot.se.

9.3 Questions about prices and agreements Contact your bank if you have questions about prices and agreements. Example questions:

How do I register for and start using Löner?

How do I add functions, change the communication method or change other specifics of the agreement?

What does Löner cost?

9.4 Questions about files The table shows who to contact if you have questions about sending files to or receiving files from Bankgirot.

If you have a communication solution connected to…

…then contact…

Bankgirot Bankgirot (see www.bankgirot.se)

Service bureau The service bureau

Your Internet bank Your bank

10 Contact channels and addresses

Contact channels and addresses

Bankgirot's Customer Service

Telephone and e-mail to Customer Service can be found at www.bankgirot.se under Contact.


Contact channels and addresses

Postal address Bankgirot

105 19 Stockholm

Website Why not visit our website, www.bankgirot.se, where you can find the latest information on our services, frequently asked questions and manuals.

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